|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Citadel Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 23, 2026
Citadel Federal Credit Union's Business 20 Month Bonus CD rates are at 4.40%, Business 32 Month Bonus CD rates are at 4.40%, Business 20 Month CD rates are at 4.35%, Business 32 Month CD rates are at 4.35%, Business 8 Month Bonus CD rates are at 4.15%. Citadel Federal Credit Union's savings rates are at 0.30%. Citadel Federal Credit Union's money market rates are at 0.75%. Citadel Federal Credit Union's checking rates are as high as 0.20%. Citadel Federal Credit Union's 10/6 Year ARM rates are at 6.90%. Citadel Federal Credit Union's Personal Loan Rates are as low as 9.99%. Citadel Federal Credit Union's Credit Card Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Citadel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.94%. Rates last updated and verified on 10/23/2026. Citadel Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citadel Federal Credit Union? Share your experience about Citadel Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Citadel Federal Credit Union. Citadel Federal Credit Union
Citadel Corporate Headquarters 520 Eagleview Blvd
https://www.citadelbanking.com Exton, PA 19341  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Citadel Federal Credit Union Business CD Rates
Citadel Federal Credit Union Savings Rates
Citadel Federal Credit Union Money Market Rates
Citadel Federal Credit Union Checking Rates
Citadel Federal Credit Union Mortgage Rates
Citadel Federal Credit Union Home Equity & HELOC
Citadel Federal Credit Union Auto Loan Rates
Citadel Federal Credit Union Credit Card Rates
Citadel Federal Credit Union Personal Loan Rates
Citadel Federal Credit Union Other Rates
Financial Health HistoryCitadel Federal Credit Union’s Texas Ratio stayed near 3.08% in Q3 2023 to 2.94% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Citadel Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Citadel Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Citadel Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Citadel Federal Credit Union
Website
https://www.citadelbanking.com
Address
520 Eagleview Blvd,
Exton, PA 19341
Phone
800-666-0191
Fax
610-466-6417
President
Joseph Petsko
CEO
Bill Brown
Full-Time Employees
681
Part-Time Employees
4
Branch Locations
25
ATM Locations
25
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.94%
Return on Assets (ROA)
0.2325%
Return on Equity (ROE)
2.4970%
Non-Performing Loans Ratio (NPL)
0.33%
Total Assets
6,868,260,559
Total Amount of Shares and Deposits
5,820,801,962
Total Shares and Deposits < 1 Year
4,795,682,197
Total Shares and Deposits 1 3 Years
941,615,817
Total Shares and Deposits > 3 Years
83,503,948
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
744,480,139
Total Uninsured Shares and Deposits > $250K (F+J)
744,502,140
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,076,299,822
Total Interest Expense (Sum of items 6 8)
81,270,838
Share Certificates
48,252
Number of Accounts for Share Drafts
164,890
IRA KEOGH Accounts
16,263
Number of Accounts for Regular Shares
358,089
Non Member Deposits
2
Money Market Shares
8,027
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
347,278,304
Total Liabilities
6,243,180,123
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Citadel Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Citadel Federal Credit Union
Frequently Asked Questions About Citadel Federal Credit UnionDoes Citadel Federal Credit Union offer CDs?Yes. Citadel Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 23, 2026 include 4.40% APY on its Business 20 Month Bonus CD, 4.40% APY on its Business 32 Month Bonus CD and 4.35% APY on its Business 20 Month CD. Are CDs from Citadel Federal Credit Union NCUA insured?Yes. Citadel Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Citadel Federal Credit Union?The highest CD rate MonitorBankRates has verified for Citadel Federal Credit Union is 4.40% APY on its Business 20 Month Bonus CD, as of October 23, 2026. What CD terms does Citadel Federal Credit Union offer?The Citadel Federal Credit Union CD terms MonitorBankRates tracks include 8 month, 12 month, 18 month, 20 month, 2 year, 32 month and 5 year terms, with rates from 4.15% to 4.40% APY. The institution may offer other terms or specials that are not listed here, so check with Citadel Federal Credit Union for its full lineup. What is the highest savings rate at Citadel Federal Credit Union?The highest savings rate MonitorBankRates has verified for Citadel Federal Credit Union is 0.30% APY on its Auxiliary Savings, as of October 23, 2026. What is the highest money market rate at Citadel Federal Credit Union?The highest money market rate MonitorBankRates has verified for Citadel Federal Credit Union is 0.75% APY on its Money Market Account, as of October 23, 2026. What is the highest checking rate at Citadel Federal Credit Union?The highest checking rate MonitorBankRates has verified for Citadel Federal Credit Union is 0.20% APY on its Ultimate Growth Checking, as of October 23, 2026. What is the lowest mortgage rate at Citadel Federal Credit Union?The lowest mortgage rate MonitorBankRates has verified for Citadel Federal Credit Union is 6.898% APR on its 10/6 Year ARM, as of October 23, 2026. What is the lowest auto loan rate at Citadel Federal Credit Union?The lowest auto loan rate MonitorBankRates has verified for Citadel Federal Credit Union is 5.49% APR on its New Auto Loan, as of October 23, 2026. What is the lowest personal loan rate at Citadel Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for Citadel Federal Credit Union is 9.99% APR on its Personal Loan, as of October 23, 2026. What is the lowest credit card APR at Citadel Federal Credit Union?The lowest credit card rate MonitorBankRates has verified for Citadel Federal Credit Union is 10.99% APR on its Choice Mastercard Credit Card, as of October 23, 2026. How many branches does Citadel Federal Credit Union operate?Citadel Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Citadel Federal Credit Union?Yes, to access services at Citadel Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Citadel Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Citadel Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Citadel Federal Credit Union offer online and mobile banking?Most modern institutions like Citadel Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.citadelbanking.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Citadel Federal Credit Union rates compare?Citadel Federal Credit Union's top rates are 4.40% APY on its Business 20 Month Bonus CD, 0.30% APY on its Auxiliary Savings, 0.75% APY on its Money Market Account, 0.20% APY on its Ultimate Growth Checking, 6.898% on its 10/6 Year ARM, 9.99% APR on its Personal Loan and 10.99% APR on its Choice Mastercard Credit Card, verified by MonitorBankRates on October 23, 2026. Current Citadel Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Transit Federal Credit Union
Bulab Employees Federal Credit Union
Nova Credit Union
St Joseph Teachers Credit Union
Alpha Credit Union
Faith Cooperative Federal Credit Union
The Peoples Credit Union
East Texas Professional Credit Union
Kemba Financial Credit Union
Boston Customs Federal Credit Union
Korean American Catholics Federal Credit Union
Valley Educators Credit Union
Day Air Credit Union
Desco Federal Credit Union
Greenville Heritage Federal Credit Union
Greenwich Municipal Employees Federal Credit Union
Tru Federal Credit Union
Mid Minnesota Federal Credit Union
Ohio Educational Credit Union
Holy Family Memorial Credit Union
Gulf Coast Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
